'Real Housewives of Miami' Star Alexia Echevarria Sues for $2 Million Over Son's Horrific Car Crash

"Real Housewives of Miami" star Alexia Echevarria says she was inundated with medical bills after her son's tragic car crash and now she's suing her insurance broker for $2 million ... claiming her massive bills are all their fault.

Echevarria filed a lawsuit in Florida court against a company called Garcia Lorenzo & Associates ... claiming they dropped the ball when it came to executing her insurance policy.

Echevarria's 13-year-old son was in a "catastrophic" car accident back in 2011 which landed him in the ICU with severe bodily injuries, including a brain injury. In the suit, Alexia says thanks to GL's shoddy coverage, she was faced with millions of dollars in medical bills.

Echevarria claims that when she signed with the company back in 2008, she asked for a special type of extra coverage -- the exact coverage that would have helped curb the costs from her son's accident. She claims the company carelessly left it out.